Prosedur Pemberian Kredit Briguna Karya Di Bank Rakyat Indonesia Kantor Wilayah Surabaya

Economic policy is needed to spur high economic growth, namely by increasing natural resources, human resources, and funds. In the matter of funds will not be far from the world of banking as a financial institution to increase the national economy. Banking is to collect funds (money) from the community in the form of deposits, namely banks as a place to save money or invest in the community. channel funds to the community by providing loans (credit) to the people who submit applications. As well as providing other bank services. The aim of the author is to understand the procedure of giving briguna credit to work at the people's bank of Indonesia in the Surabaya regional office. The researcher used the descriptive method. The results of the research obtained, briguna credit works, namely collateral-free credit facilities given to prospective debtors or sources of payment originating from a fixed source of income, namely salary. BRIGUNA Karya can be used to finance various customer needs, from productive needs to non-productive needs. There are two types of briguna credit works, namely payroll credit briguna and non-payroll briguna credit. To be able to apply for briguna credit for this work, there is an agency cooperation agreement with BRI, it must be a permanent employee for at least one year in the company, no credit arrears to other banks, members of the TNI, POLRI, private employees, BUMN employees, BUMD employees, Civil servants (PNS) who pay salaries through BRI, the maximum credit limit given is not more than Rp. 500,000,000. there are two types of repayment of briguna credit, namely repayment of maturity and advanced repayment. Keywords : Briguna Karya, payroll brigun